金管局「減辣」降低壓力測試要求!即時生效 所有物業按揭貸款適用

文: 劉紀彤
2022.09.24

香港三大發鈔銀行宣布調高最優惠利率(加P),令供樓人士負擔加重。金管局於日前(9月23日)推出「減辣」新指引措施,發出指引下調物業按揭貸款利率壓力測試要求,新指引將即時生效。

香港樓價近月連跌,較去年同期累跌5.5%,而港銀「加P」亦令供樓人士負擔加重。金管局日前最新指引放寬壓測,將現時3里的物業按揭貸款利率壓力測試要求下調至2厘,新指引適用於所有物業按揭貸款,即日起生效。

新指引被視為「減辣」措施,不過金管局指放寬壓測是考慮到各方面因素包括目前的利率環境和按息走勢等,強調「現階段未能確認樓市已經進入下行周期」。

 

來源:HKET、金管局

 

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